<ul><li>Inactive credit cards can negatively impact your credit score.</li><li>Factors that contribute to your credit score include repayment history, credit utilization, credit history length, credit mix, and new credit inquiries.</li><li>Not using your credit card can result in a higher credit utilization ratio and lower available credit, which can lower your credit score.</li><li>To maintain a good credit score, it is advised to use the card periodically, automate usage, monitor for inactivity clauses, and always pay on time.</li></ul>

Inactive Credit Cards: How Not Using Your Card Can Lower Your Credit Score

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